Montana Mortgage Lenders

Find trusted local and national lenders serving Montana homebuyers. Compare loan types, specialties, and contact them directly.

20 lenders listedBillings · Missoula · Bozeman · Helena · Kalispell & more

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Featured Lenders

MB

Montana Board of Housing (MBOH)

State Program
Statewide

Official Montana state program offering below-market interest rates and down payment assistance for qualifying first-time homebuyers. Works through a network of approved local lenders across Montana.

First-Time BuyerDown Payment AssistanceBelow-Market Rates
NW

NeighborWorks Montana

Nonprofit Lender
Great Falls · Statewide

Nonprofit lender focused on affordable homeownership for Montana families. Offers down payment assistance, homebuyer education, and first-time buyer loan programs statewide.

First-Time BuyerDown Payment AssistanceUSDAAffordable Housing
OB

Opportunity Bank of Montana

Local Bank
Billings · Bozeman · Helena · Missoula · Great Falls · Statewide

Montana-based community bank with branches across the state. Offers a full range of mortgage products — conventional, FHA, VA, and USDA — with local loan officers who know the market.

ConventionalFHAVAUSDAFirst-Time BuyerRefinance

All Lenders

SB

Stockman Bank

Local Bank
Billings · Great Falls · Missoula · Miles City · Havre · Statewide

Montana-owned community bank with 40+ locations across the state. Offers competitive home loans with deep local roots and personalized service from lenders who live here.

ConventionalFHAVAUSDARefinanceConstruction
GB

Glacier Bank

Local Bank
Kalispell · Whitefish · Polson · Missoula · Flathead Valley

Based in Kalispell, Glacier Bank is a premier Montana community bank offering home loans with experienced local real estate lenders throughout the Flathead Valley and beyond.

ConventionalFHAVARefinanceConstruction
BB

Bank of Bozeman

Local Bank
Bozeman · Big Sky

Locally owned and operated community bank in Bozeman. Known for personalized service and competitive home loan rates, with mortgage officers focused on the Bozeman and Big Sky markets.

ConventionalJumboConstructionRefinance
IB

Intermountain Bank (IBY)

Local Bank
Great Falls · Havre · Hi-Line

Local Montana bank serving Great Falls, Havre, and the Hi-Line region. Offers home loans and HELOCs with personalized service from lenders who know this part of Montana.

ConventionalFHAHELOCRefinance
RM

Rocky Mountain Credit Union

Credit Union
Butte · Statewide

Montana's first credit union, based in Butte. Member-owned structure means savings are passed back to borrowers through competitive mortgage rates and lower fees.

ConventionalRefinanceFirst-Time Buyer
BD

Black Diamond Mortgage

Mortgage Broker
Whitefish · Kalispell · Columbia Falls · Missoula · Bozeman · Helena

Based in Whitefish and deeply rooted in the Flathead Valley. Works with a broad network of prime and private lenders to offer flexible, customized mortgage solutions across Montana.

ConventionalFHAVAJumboRanchInvestment Property
ML

Mountain Lake Mortgage

Mortgage Broker
Kalispell · Flathead Valley

Premier mortgage lending and home financing service in Kalispell. Decades of local expertise in the Flathead Valley market, offering competitive rates on a wide range of loan types.

ConventionalJumboRefinanceInvestment Property
MM

Mann Mortgage

Mortgage Broker
Billings · Bozeman · Missoula · Stevensville · Polson · Statewide

Montana-born mortgage company with offices in cities across the state. Known for fast closings and a wide variety of loan programs, serving Montana families for decades.

ConventionalFHAVAUSDAJumboFirst-Time Buyer
CH

Capital Home Mortgage Montana

Mortgage Broker
Statewide

Full-service Montana mortgage company offering competitive rates across all major loan types. Specializes in VA, FHA, USDA, and manufactured home loans for Montana buyers.

ConventionalFHAVAUSDAManufactured HomesNative American HUD-184
WT

Wood Team Home Mortgage

Mortgage Broker
Billings · Bozeman · Red Lodge

Top-rated local mortgage experts in Red Lodge, Bozeman, and Billings. Trusted by buyers and real estate professionals throughout south-central Montana.

ConventionalFHAVARefinanceFirst-Time Buyer
GM

Guild Mortgage – Montana

National Lender
Bozeman · Billings · Missoula

One of the top 10 independent mortgage lenders in the nation with local Montana branches in Bozeman, Billings, and Missoula. Known for community focus and wide loan program selection.

ConventionalFHAVAUSDAJumboRefinance
FW

Fairway Independent Mortgage

National Lender
Billings · Bozeman · Missoula · Great Falls

National top-10 mortgage lender with multiple Montana branches. Offers a comprehensive suite of loan products with local loan officers in Billings, Bozeman, Missoula, and Great Falls.

ConventionalFHAVAUSDAJumboRefinance
CC

CrossCountry Mortgage – Missoula

National Lender
Missoula

Local Missoula branch of one of the nation's top mortgage lenders. Fast closings, wide loan variety, and local expertise — rated 4.97 out of 5 by borrowers.

ConventionalFHAVAJumboRefinance
NA

New American Funding – Billings

National Lender
Billings

Billings branch of a top-rated national mortgage lender known for innovative loan programs, fast approvals, and outstanding customer service for Montana buyers.

ConventionalFHAVAUSDAJumbo
EH

Evergreen Home Loans – Montana

National Lender
Helena · Billings · Bozeman · Great Falls

Regional lender with multiple Montana offices in Helena, Billings, Bozeman, and Great Falls. Friendly, knowledgeable loan officers and competitive rates across all major programs.

ConventionalFHAVAUSDARefinanceFirst-Time Buyer
OT

OneTrust Home Loans – Montana

National Lender
Bozeman · Billings

Montana branch led by Branch Manager Joe Post. Known for fast, transparent lending across all major loan programs with offices in Bozeman and serving Billings buyers.

ConventionalFHAVAUSDAJumboRefinance
UH

Union Home Mortgage – Great Falls

National Lender
Great Falls

Great Falls branch of Union Home Mortgage. Offers a wide variety of home loan options for buyers in the Great Falls area with local service and national resources.

ConventionalFHAVAUSDARefinance

Montana Home Loan Guide

Loan Types Available in Montana

Montana homebuyers can access a full range of mortgage products: conventional loans with as little as 3% down, FHA loans for first-time buyers, VA loans for veterans and active military, USDA rural development loans for qualifying Montana properties, and jumbo loans for high-value homes in Bozeman, Whitefish, and Big Sky. Many local lenders also offer construction loans for custom builds and agricultural loans for ranch purchases.

Montana Board of Housing Programs

The Montana Board of Housing (MBOH) offers below-market interest rates and down payment assistance programs for qualifying first-time homebuyers statewide. NeighborWorks Montana provides additional affordable housing resources. These programs are administered through approved local lenders across Billings, Missoula, Great Falls, Helena, Bozeman, and rural communities throughout all 56 Montana counties.

Disclaimer: Montana Homes does not endorse or guarantee any specific lender. Rates and programs vary — always compare multiple lenders and consult a licensed mortgage professional before making financial decisions.
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